Social Security For Dummies

Social Security For Dummies
Автор книги: id книги: 834426     Оценка: 0.0     Голосов: 0     Отзывы, комментарии: 0 1126,92 руб.     (11,95$) Читать книгу Купить и читать книгу Купить бумажную книгу Электронная книга Жанр: Зарубежная образовательная литература Правообладатель и/или издательство: John Wiley & Sons Limited Дата добавления в каталог КнигаЛит: ISBN: 9781119296164 Возрастное ограничение: 0+ Оглавление Отрывок из книги

Реклама. ООО «ЛитРес», ИНН: 7719571260.

Описание книги

**Social Security For Dummies, 2nd Edition (9781119293330) was previously published as Social Security For Dummies, 2nd Edition (9781118967560). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product. Praise for* Social Security For Dummies*:** "*Social Security for Dummies* is a must read for people of any age who want a comfortable retirement. Jonathan Peterson does a great job of explaining this complicated system and helps you understand how to get the most from the benefits you've earned. The difference between a smart claiming strategy and a dumb one can cost you hundreds of thousands of dollars, so you'll want to invest in this book." –**Liz Weston**, personal finance columnist and author of *The 10 Commandments of Money* "This is your go-to book on Social Security. Chock-full of useful tips, easy to use, and well organized, it answers all your questions about Social Security." –**Steve Vernon**, author of *Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck* and CBS MoneyWatch commentator "*Social Security for Dummies* is indispensable for anyone who wants to get the best possible deal from Social Security—and that means all of us, young and old, because everyone will need Social Security benefits in this era of disappearing pensions and dwindling savings. Strategies for single people, for married couples, for survivors, for divorced people: You can find expert advice on all these subjects and more in this easy-to-understand guide to a very complex subject." –** Bob Rosenblatt**, editor of HelpwithAging.com and Senior Fellow at the National Academy of Social Insurance **About the book: Take the mystery out of Social Security and maximize your benefits when you retire** Social Security For Dummies is the definitive resource to navigating the often-complex world of Social Security retirement benefits and the U.S. Social Security Administration. If you're nearing retirement age, or assisting someone who is, this guide will show you how to avoid common pitfalls, determine when you should claim your benefits, and figure out how much you can expect to receive each month. This newest edition provides updates to relevant dates and resources as well as an in-depth look at policy changes that will affect those about to retire. Packed with information that will help you make decisions that will maximize your financial well-being, this great resource makes it easy to understand everything you need to know quickly and easily. Understand new Social Security Administration policies and what they mean for you Determine how to incorporate Social Security into your overall retirement plan Get answers to common questions Find resources to use when you're stumped With *Social Security For Dummies*, you can take charge of your retirement and successfully navigate the U.S. Social Security Administration.

Оглавление

Jonathan Peterson. Social Security For Dummies

Introduction

About This Book

Foolish Assumptions

Icons Used in This Book

Beyond the Book

Where to Go from Here

Part 1. Getting Started with Social Security

Chapter 1. What Social Security Is and Why You Need It

Understanding What Social Security Means for You

Appraising the Value of Social Security

Understanding How You Pay for Social Security

Getting the Most out of Your Social Security Benefits

Getting in Touch with the Social Security Administration

Chapter 2. A Breakdown of Benefits

Bringing Security to Old Age: Retirement Benefits

Surviving the Loss of a Breadwinner

Paying Your Bills When You Can’t Work: Disability Benefits

When the Need Is Great: Supplemental Security Income

Chapter 3. Deciding When to Start Collecting Retirement Benefits

Paying Attention to Your Full Retirement Age

Looking at Life Expectancy When You Claim Benefits

Considering Your Spouse When You Claim Social Security

Recognizing the Potential Payoff of Working Later in Life

Putting It All Together: The Right Time to Begin Collecting Benefits

Chapter 4. Protecting Your Number and Securing Your Card

Getting a Social Security Number

Managing Your Social Security Card

Protecting Yourself by Protecting Your Number

Part 2. Taking the Plunge: Filing for Social Security

Chapter 5. Signing Up for Benefits

When to Apply for Social Security Benefits

Where to Apply for Social Security Benefits

How to Apply for Social Security Benefits

How You Get Your Money: The Check Is Not in the Mail

Chapter 6. Determining How Much You’ve Earned

Your Social Security Statement

Social Security Calculators

Chapter 7. Navigating the System

Being a Smart Consumer of Social Security

Getting the Answers and Help You Need

Life Happens: Keeping the Social Security Administration in the Loop

Setting the (Earnings) Record Straight

Halting Your Retirement Benefits

Recovering a Lost or Stolen Social Security Check

Getting Dinged for an Overpayment

Getting Social Security in a Global Economy

Registering a Complaint with the Social Security Administration

Chapter 8. When You and Social Security Disagree: The Appeals Process

Reconsideration: Taking Your First Step

Going to an Administrative Law Judge to Solve Your Problem

Knowing What to Expect from the Appeals Council

Taking Your Claim to Federal Court

Part 3. Who Benefits and When

Chapter 9. Spousal Benefits: Watching Out for Each Other

Who Qualifies and Who Doesn’t

How Much You Can Expect to Get

How to Maximize Your Benefits

Chapter 10. Family Benefits: Who Gets What

Defining Who’s in the Family

Identifying the Benefits Family Members Are Eligible For

Looking at How Having a “Child in Care” May Affect Your Own Benefits

Understanding the Family Maximum

Counting on Kids’ Benefits When Parents Live Apart

Managing Benefits on Behalf of a Child

Chapter 11. When You Can’t Work: Social Security Disability Benefits

The Two Types of Disability Benefits

How Social Security Defines Disability

How to Make Your Case

What to Do If You Get Turned Down

What Happens to Your Benefit If You Can Go Back to Work

Part 4. Social Security and Your Future

Chapter 12. Enrolling in Medicare

Understanding the ABCs (and D) of Medicare

Qualifying for Medicare

Signing Up for Medicare

Paying Premiums

Getting Hit with Late Fees

Buying Extra Insurance: Medigap

Getting Financial Help If You Need It

Chapter 13. Working in “Retirement”

The Pros and Cons of Not Retiring at Retirement Age

The Earnings Test: How Your Payments Are Calculated When You Work

When You Go Back to Work after Retirement

Special Considerations for the Self-Employed

Uncle Sam Giveth and Taketh Away: How Benefits Are Taxed

Chapter 14. Shaping a Financial Future You Can Live With

Envisioning Your Life with Social Security

Preparing for Life on Social Security

Part 5. The Part of Tens

Chapter 15. Ten Myths about Social Security

Myth: Social Security Is a Ponzi Scheme

Myth: Your Social Security Number Has a Racial Code in It

Myth: Members of Congress Don’t Pay into the System

Myth: Social Security Is Going Broke

Myth: The Social Security Trust Funds Are Worthless

Myth: I’d Be Better Off Investing in Stocks

Myth: Undocumented Immigrants Barrage Social Security with Illegal Claims

Myth: When Social Security Started, People Didn’t Even Live to 65

Myth: Congress Keeps Pushing Benefits Higher Than Intended

Myth: Older Americans Are Greedy Geezers Who Don’t Need All Their Social Security

Chapter 16. Ten Reasons Young People Should Care about Social Security

If You’re Lucky, You’ll Be Old Someday

Your Parents Will Be Old Even Sooner

You’re Paying into the System Now

You Benefit When Social Security Keeps People out of Poverty

You May Need Benefits Sooner Than You Think

Social Security Ensures That Time Doesn’t Eat Away at Your Benefit

Social Security Benefits Are One Thing You Can Hang Your Hat On

The System Works

The Alternatives Are Worse

Life Is Risky

Chapter 17. Ten Choices Facing the Country about the Future of Social Security

Whether to Increase the Earnings Base

Whether to Cover More Workers

Whether to Raise Taxes

Whether to Cut Benefits

Whether to Modify the Inflation Formula

Whether to Raise the Full Retirement Age

How to Treat Women More Fairly

Whether to Divert People’s Taxes to Private Accounts

Whether to Create a Minimum Benefit

Whether to Give a Bonus for Longevity

Part 6. Appendixes

Appendix A. Glossary

Appendix B. Resources

Social Security

Medicare

AARP

Other Sources

Appendix C. Strengthening Social Security

About the Author

Author’s Acknowledgments

Отрывок из книги

You’re reading this book, so you’re probably thinking about the future – for yourself or for your loved ones. You probably want to know more about the Social Security benefits that could go to you and your family one day and how that money will meet your needs. You may also be thinking about the next phase of your life. Will it be financially comfortable? Will it be a struggle? If you’re like many people, you wonder whether you’re going to outlive your savings. Will Social Security keep you afloat? Can you count on your Social Security benefits? What should you know about the program? How can you find the information you need?

Despite its significance in modern life, Social Security is rarely explained clearly in one place. Not in a way that lays out the program and explains how you fit in, all the protections Social Security offers, and what they mean for you and your loved ones. Not in a way that empowers you to plan right and face the bureaucracy with your eyes open. Not in a way that tells you what you need to know about the rules that affect benefit amounts and eligibility. But understanding this stuff is important – for you and for those who depend on you.

.....

TABLE 1-1 Probabilities of Death or Disability

Source: Social Security Administration

.....

Добавление нового отзыва

Комментарий Поле, отмеченное звёздочкой  — обязательно к заполнению

Отзывы и комментарии читателей

Нет рецензий. Будьте первым, кто напишет рецензию на книгу Social Security For Dummies
Подняться наверх